If I will be in your shoe, I would not risk that big. I mean, you are saying that it will not really affect you, but taking a loan just to buy bitcoin? You know that every crypto currency is having a volatile price, and you're not really sure what will happen next. But if I will be really in your position, I won't do it.
It is really a big step if you are really brave enough and are about to loan just to buy bitcoins . There are many things you should consider before loaning, you must think first if you are capable enough of paying it until your due. Volatility of bitcoin and other cryptocurrency coin is another factor but ofcourse it is part of the risk that you are taking. If I will be in that situation I will not do it until it is really needed.
Of course, it is a poar of the risk, but sometimes it is better to risk than doing nothing.